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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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4201 Ward Cove Dr , Niceville, FL 32578
$2,400,000
Est. Payment: $12,172.35/mo
3 Bed
3 Bath
3335 Sqft
Status: active | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Bayou-Front Retreat in Bluewater Bay! Set behind a gated, circular drive on 3/4 acres of lushly landscaped, oak- and palm-shaded grounds, this 3-bedroom, 2.5-bath Mediterranean-style home offers 95' of deep-water bayou frontage with a private dock and covered boat lift -- just minutes to Rocky Bayou, Choctawhatchee Bay, and the Gulf. A rich mahogany and leaded-glass front door opens to a foyer that sets the tone for the home's refined architectural detail -- arched porticos, soaring ceilings, and tray ceiling accents throughout. The open-concept great room features a stone fireplace flanked by built-in shelving and opens to a sunny breakfast nook framed by arched windows with water views. The kitchen offers granite counters, a tumbled-travertine backsplash, stainless appliances, and a walk-in pantry. Upstairs, the expansive primary suite is a true retreat, with a fireplace and wet bar, private balcony access, two walk-in closets, and a spa-style bath with soaking tub, dual vanities, and a glass-block walk-in shower. A dedicated home office, private gym, and spacious laundry/utility room add everyday flexibility, while an oversized 900+ sq ft garage with 14' ceilings offers rare storage for boats, gear, or toys. Multiple covered balconies and porches capture the water views and coastal breeze. A rare offering in one of Niceville's most sought-after waterfront communities -- don't miss it.

Highlights

Listed by Marsha Babe , and Melissa N Miller , 850-502-0946 ERA American Real Estate , 850-678-1196. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.75

Year Built

2001

County

Okaloosa

Area

13 - Niceville

Neighborhood

Metes & Bounds

Listing ID

1009444

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Central Vacuum, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Washer, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Built-In Bookcases, Ceiling Crwn Molding, Newly Painted, Pantry, Pull Down Stairs, Upgraded Media Wing, Washer/Dryer Hookup

Exterior Features

Lot:Bay,Bayou
Lot Dimensions:TBD
Zoning:County, Resid Single Family
Others:
  • Additional:Rain Gutter, Balcony, Boat Slip, Boatlift, Columns, Fenced Back Yard, Sprinkler System, Patio Covered, Porch, Fenced Privacy
Sewer:Public Sewer
Parking Features:Oversized
Principal Interest
$12,172
Taxes
$577

Home Price

$2,400,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$480,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$12,172.35

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,172.35 $576.73 $0.00 $12,749.07
Yearly $146,068.17 $6,920.70 $0.00 $152,988.87
Total $4,382,044.98 $207,621.00 $0.00 $4,589,665.98

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Niceville, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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